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Our 7 Point Retirement Planning Checklist Has You Covered

Friday, June 16th, 2017 and is filed under Annuity News, Financial Planning Tips, Retirement Income Annuities, Videos

Do you have a retirement planning checklist that is up-to-date? Unfortunately, most people don’t, and what’s worse, they don’t even have a retirement plan in the first place. Here is our 7-point retirement planning checklist: Read More

Multiple Retirement Accounts – Think Outside the 401k Box.

Wednesday, March 1st, 2017 and is filed under Annuity News, Retirement Income Annuities

Though saving with a 401(K) is easy and you get a tax break, there is also something to the adage that it is possible to have too much of a good thing. Here are three good reasons to think outside the 401k box: Read More

The Government 401k Takeover Possibility

Monday, December 12th, 2016 and is filed under Uncategorized

The Government 401k Takeover PossibilityIs a federal government 401k takeover a real possibility? One look at the numbers shows that such a play is tempting indeed. The U.S. Federal Government is over $19 trillion in debt. The total U.S. retirement assets in the first quarter of 2016 reached an astonishing $24.1 trillion, enough to pay off the entire national debt with change left over. So a better question would be, “why wouldn’t the federal government consider a 401k takeover?”

There are plenty of examples of the federal government trying to get into the retirement planning business. Let’s examine a few of those efforts. Read More

Annuity vs. 401k – Income as the Outcome

Tuesday, February 25th, 2014 and is filed under Annuity News, Retirement Income Annuities, Uncategorized

Annuity vs 401kRelying on a 401(k) as a main source of retirement income is sort of like buying a Smart Car to pull your boat. When planning for retirement, just like in practical everyday life, success depends on choosing the right vehicle for the job.

So what makes the 401(k) the wrong vehicle for producing income? Simply put, 401(k) plans were created to be supplemental savings vehicles, not income generators. Let’s look at the annuity vs 401k plan as a retirement income stream and see who comes out on top. Read More

The Feds, your 401k retirement savings & total financial collapse

Friday, March 1st, 2013 and is filed under Uncategorized

American Economic CollapseOur recent article, “Is the Federal Government Eying your 401k,” raised awareness—and a few eyebrows––across the blogosphere, social media, and more.

As we suspected, it also raised a lot of questions.

Following are just a few questions we have received regarding this very complicated subject. We will continue to address additional questions as our readers send them. And, as always, you are welcome to give us a call anytime at 972.473.4700 to discuss your specific questions and concerns. Read More

Is the Federal Government Eyeing Your 401K?

Tuesday, February 26th, 2013 and is filed under Retirement Income Annuities, Uncategorized

by Cathy DeWitt Dunn –

401K Government Takeover?The question as to whether or not the United States Federal Government is looking into taking over private 401K assets has been asked many a time over the last few years. In 2009, The Wall Street Journal ran an op-ed titled “How to Fix 401(k)s“. In this article, it mentions a “radical structural change” for the 401K system.

Not everyone thinks 401(k)s can — or should — be saved. “It’s time for a radical structural change,” says Gene Steuerle, a vice president at the Peter G. Peterson Foundation.

It goes on to say that plans to replace 401Ks would include that the “government would at least partly take over sponsorship of these accounts”. Read More

401K Rollover to Annuity

Monday, January 28th, 2013 and is filed under Retirement Income Annuities, Uncategorized, Videos

The benefits of a 401K rollover to an annuity are explained by Safe Money Talk Radio’s Cathy DeWitt Dunn and Matt Redding. Watch this informative video before you roll over your 401K. Read More

401K Rollover to IRA

Wednesday, January 9th, 2013 and is filed under Retirement Income Annuities, Uncategorized

Continued from “401K Rollover Questions Answered

“Should I open an IRA with a 401K Rollover?”

401K Rollover to IRAUnfortunately in today’s economy you may not find a new job immediately, which means you may not have a new 401k plan ready to receive the funds from your old 401k. Therefore, it makes sense to open an Individual Retirement Account (IRA). In addition, an IRA offers certain advantages when it comes to saving for retirement. A traditional IRA allows you to invest pre-tax dollars and pay taxes when you withdraw. A Roth IRA allows you to invest after-tax dollars and pay no taxes when you withdraw. Once an IRA account is established, you may then choose how to use your money for investments or retirement income. Read More

401K Rollover Questions Answered

Friday, January 4th, 2013 and is filed under Retirement Income Annuities, Uncategorized

“I’ve been laid off. What’s going to happen to my 401k?”

401K Rollover Questions AnsweredThe Employee Retirement Income Security Act of 1974 (ERISA) protects the assets of millions of Americans so that funds placed in retirement plans during their working lives will be there when they retire. This means that you are entitled to all of the money you’ve contributed into your 401k. In addition, your tenure determines how much of your former employer’s matching contributions you are entitled to. Chances are you are 100% vested if you have worked at the same place of employment for a few years. Read More